One of the most critical points for the nearest naps and region is that the standard owners' provision does not cover the damage caused by flooding. Since Southwest Florida is particularly susceptible to flooding due to its geography and the frequency of seasonal storms, it is essential to take action promptly. Although you may not experience storms, tall tides can cause large financial. According to FEMA, only one inch of water in a house can cause tens of thousands of dollars of damage. Flood insurance Southwest Florida guarantees owners, those who are not liable for this financial charge.